Can I have both Ayushman Card and a state health scheme card?

Yes, in many states you can benefit from both. States like Andhra Pradesh and Telangana have integrated their schemes with PMJAY, giving beneficiaries combined coverage. In some states, the state scheme tops up the PMJAY coverage.

Which scheme gives better coverage – PMJAY or state schemes?

It depends on the state. PMJAY provides ₹5 lakh per family. Some state schemes offer higher coverage (e.g., Kerala's KASP offers additional packages). Many states combine both schemes for maximum benefit.

What happens if my state leaves PMJAY?

If a state exits PMJAY (like West Bengal and Delhi), they typically run their own health insurance scheme. Your coverage under the state scheme continues, but you lose PMJAY portability benefits across states.

Do state schemes work in other states?

Most state schemes only work within that state. PMJAY's key advantage is pan-India portability – you can use it at any empanelled hospital in any state. For migrant workers, PMJAY is significantly better.

Are the treatment packages same across PMJAY and state schemes?

PMJAY has 1,929+ standardized packages. State schemes may have different or additional packages. Some states add procedures not covered by PMJAY. Check your specific state scheme for extra benefits.

How do integrated schemes work?

In integrated states, a single card covers both PMJAY and state scheme benefits. The hospital bills whichever scheme covers the treatment. You don't need to choose – the system automatically picks the best option for you.

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Ayushman Bharat vs State Health Schemes

How does PMJAY compare with your state's own health insurance scheme?

Updated: February 2025 6 min read

Quick Comparison

Feature	Ayushman Bharat (PMJAY)	State Schemes
Coverage	₹5 lakh/family/year	Varies: ₹1.5L to ₹10L
Portability	✅ Pan-India	❌ Within state only
Packages	1,929+ treatment packages	Varies by state
Eligibility	SECC 2011 data	State-specific criteria
Hospitals	27,000+ across India	State-level network
Funding	60:40 Centre:State	100% State
For Migrants	✅ Ideal	❌ Limited

Major State Health Schemes

🏛️ Maharashtra – Mahatma Phule Jan Arogya

₹1.5 lakh coverage • Integrated with PMJAY • 971 treatment packages

🏛️ Andhra Pradesh – Dr YSR Arogyasri

₹5 lakh coverage • Integrated with PMJAY • Additional state packages

🏛️ Telangana – Arogyasri

₹5 lakh coverage • Integrated with PMJAY • Focus on tertiary care

🏛️ Tamil Nadu – CM Insurance Scheme

₹5 lakh coverage • Integrated with PMJAY • Strong hospital network

🏛️ Kerala – KASP

₹5 lakh coverage • Integrated • Additional packages beyond PMJAY

🏛️ Rajasthan – Chiranjeevi

₹25 lakh coverage • Independent scheme • Universal coverage

🏛️ West Bengal – Swasthya Sathi

₹5 lakh coverage • Not part of PMJAY • State-only portability

🏛️ Delhi – Own Scheme

Not part of PMJAY • Free treatment at government hospitals

PMJAY Advantages Over State Schemes

Pan-India portability – works in any state

Largest hospital network – 27,000+ hospitals

Standardized packages – consistent pricing across India

Best for migrants – use card in any work state

Digital infrastructure – modern IT system with eKYC

State Scheme Advantages

Higher coverage in some states (Rajasthan: ₹25L)

Broader eligibility – some states cover all residents

Additional packages not available under PMJAY

Better local networks with state-level hospitals

Faster claim settlement in some states

💡 Our Recommendation

The best approach is to have both cards if your state offers an integrated or separate scheme:

Use PMJAY for inter-state treatment and portability

Use state scheme for additional packages and higher coverage

In integrated states, a single card covers both anyway

FAQs – PMJAY vs State Schemes

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Check Your Eligibility

See if you qualify for PMJAY and your state health scheme.

Disclaimer: State scheme details change frequently. Verify latest benefits with your state health department or call 14555.